Many simply look for the cheapest rate when it comes to auto insurance. This can be a dangerous approach to coverage, especially as it relates to auto insurance given changes to the no-fault policy. Instead of sacrificing your well-being with minimal coverage and protections, there are likely many savings opportunities you’re leaving on the table.

The most important aspect of your auto insurance policy is making sure you and your family are protected should you experience an unforeseen accident. From a position of safety and protection you can work with your insurance agent to find opportunities to save and minimize your payments as much as possible. 

One fundamental aspect of your insurance is who you decide to work with. An independent agent is incentivized to get you the best coverage at the lowest rate, while an exclusive agent (think All State, State Farm, etc.) is incentivized to sell you a policy. Sometimes exclusive agents can offer a better rate, but you won’t have any options if their rates go up or their coverage options change.

We’ve identified a variety of cost-saving measures you can take to make sure you have the right coverage at the lowest rate possible for both your home and auto insurance policies.

Shop Rates

It is important you spend the time to shop different rates and coverage options with various providers. Research has shown that shopping rates could save you hundreds of dollars a month. But buyer beware – the lowest rate doesn’t mean the right coverage for you. Spend time understanding your needs and shop for the right coverage level – not for the lowest rate.

Find an Independent Agent

Independent agents are able to shop competitive insurance companies to find you the lowest rate possible. In addition, independent agents are generally more focused on delivering exceptional service while also finding you the best rate possible.

Improve Your Credit

Your credit score impacts the rates you get on your insurance policies. This is because insurance companies are assessing your likelihood for making a claim and your ability to pay back your debts. The better your credit the cheaper your rate.

Auto Insurance Discounts

Every insurance provider’s discounts are different. It is critical to speak with your insurance agent to make sure you’re taking advantage of these. For instance, some companies offer discounts based on the amount of actual driving you do. Less driving means more discounts, but not all companies offer this. 

Drive Safe & Follow Driving Laws

When you drive safely and follow the driving laws, you can protect yourself for rising insurance premiums. After all, the more tickets and accidents you get, the “higher risk” you are in the eyes of the insurance provider. So, make sure you drive safely.

Drop Unneeded Insurance

If your car is on its last leg and you plan to get a new one soon, you might as well remove some of your coverages on the vehicle such as collision and comprehensive. This way you can save a few bucks as you drive your clunker on its last remaining miles.

Your Car Impacts Your Rate

No surprise here, but expensive and/or unsafe vehicles are more costly to insure. If you’re really interested in saving on your auto insurance, your car selection is one way to save. But if you really enjoy driving flashy cars, just be prepared to pay for more expensive insurance.

Increase Your Deductible

By increasing your deductible, you could save on collision and comprehensive auto coverage. However, this means if you do get in accident, you’ll be responsible for more of the up front fees before your insurance kicks in.


Your insurance agent should be there to help make sure you are taking advantage of all of the possible discounts and savings you have access to. Some agents simply wait for you to ask, while others offer a more proactive approach to your policy. For the most peace of mind when it comes to your auto insurance, make sure to work with an agent that has your best interest at heart. Contact us today to get started.